Call reports 2004
ST. MARYS STATE BANK, THE — 2004
What ST. MARYS STATE BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 61,555,000 | 63,868,000 | 62,604,000 | 65,926,000 |
| Total loans | 41,464,000 | 43,528,000 | 45,371,000 | 44,889,000 |
| Allowance for loan losses | 658,000 | 701,000 | 727,000 | 750,000 |
| Securities available for sale | 14,619,000 | 14,802,000 | 11,094,000 | 10,900,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,041,000 | 45,450,000 | 47,951,000 | 51,134,000 |
| Interest-bearing deposits | 39,714,000 | 39,391,000 | 41,382,000 | 41,425,000 |
| Noninterest-bearing deposits | 6,327,000 | 6,059,000 | 6,569,000 | 9,709,000 |
| Equity capital | 6,307,000 | 6,049,000 | 6,330,000 | 6,469,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 846,000 | 1,697,000 | 2,552,000 | 3,447,000 |
| Interest expense | 312,000 | 619,000 | 940,000 | 1,264,000 |
| Net interest income | 534,000 | 1,078,000 | 1,612,000 | 2,183,000 |
| Noninterest income | 86,000 | 183,000 | 294,000 | 435,000 |
| Noninterest expense | 439,000 | 875,000 | 1,321,000 | 1,808,000 |
| Provision for loan losses | 45,000 | 90,000 | 130,000 | 158,000 |
| Pretax income | 136,000 | 299,000 | 447,000 | 644,000 |
| Income tax | 12,000 | 18,000 | 24,000 | 33,000 |
| Net income | 124,000 | 281,000 | 423,000 | 611,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,031,000 | 6,080,000 | 6,207,000 | 6,396,000 |
| Total capital | 6,592,000 | 6,669,000 | 6,812,000 | 7,007,000 |
| Risk-weighted assets | 44,817,000 | 46,982,000 | 48,310,000 | 48,718,000 |